(KSPI) Joint Stock Kaspi.kz - Ratings and Ratios

Joint Stock Company Kaspi.kz, a leading player in the Kazakhstan market, offers a comprehensive suite of financial services and solutions to both consumers and merchants. Through its three primary segments - Payments Platform, Marketplace Platform, and Fintech Platform - the company has established a robust ecosystem that facilitates transactions, enables commerce, and provides financial products. The Payments Platform, for instance, streamlines transactions between customers and merchants, supporting a range of activities including shopping transactions, bill payments, and peer-to-peer transfers. This segment also equips merchants with tools to accept payments online and in-store, manage invoices, and monitor their turnover, all while leveraging proprietary data to inform business decisions.

The Marketplace Platform is another key component of Kaspi.kz's operations, serving as a conduit that connects online and offline merchants with consumers. By adopting an omni-channel strategy, merchants can enhance their sales, while consumers benefit from the ability to purchase products and services from a variety of merchants. This platform also includes m-commerce solutions, enabling consumers to shop on the go with the convenience of e-commerce and free delivery. Additionally, Kaspi Travel, a part of this segment, allows users to book flights, package holidays, and domestic rail tickets, further expanding the company's reach into the travel sector. The integration of payments, fintech products, advertising, and delivery services all contribute to a more seamless and efficient marketplace experience.

The Fintech Platform segment is where Kaspi.kz delivers a range of financial products and services, both to consumers and merchants. Consumers can access buy-now-pay-later (BNPL) options, financial services, and savings products, all conveniently available through the company's super apps and the Kaspi.kz Super app. Merchants, on the other hand, can tap into merchant finance services designed to support their growth. Beyond these core offerings, Kaspi.kz is involved in a diverse array of activities, including banking, distressed asset management, real estate, payment processing, online travel services, and data storage and processing. Founded in 2008 and headquartered in Almaty, Kazakhstan, the company has established itself as a significant player in the consumer finance sector, with its common stock listed on the NASDAQ under the ticker KSPI.

Kaspi.kz's multifaceted approach to financial services and commerce reflects the company's commitment to innovation and customer satisfaction. By continuously expanding its suite of products and services, Kaspi.kz aims to meet the evolving needs of both consumers and merchants in Kazakhstan and beyond. With its strong foundation in payments, marketplace, and fintech solutions, the company is well-positioned to capitalize on emerging trends and opportunities in the consumer finance industry. For more information about Kaspi.kz's activities, financial performance, and strategic initiatives, investors and stakeholders can visit the company's investor relations website at https://www.ir.kaspi.kz, providing a transparent and comprehensive overview of its operations and future plans.